●The attorney representing the plaintiff retained an IEN Third−Party Administrator (TPA) expert with experience in disability insurance and claims processing. The expert will assist the attorney during an upcoming mediation and possibly provide expert witness services if the mediation is not successful.

●The attorney representing the plaintiff retained an IEN general liability insurance expert. The expert will provide consulting services to the attorney and possible future expert witness services concerning the wording of the employer’s liability exclusion on the general liability policy of the plaintiff’s employer

●The attorney representing the defendant insurance agent retained an IEN agent/broker expert. The issue on which the expert will opine is standards, if any, to which an agent/broker must adhere regarding Uninsured Motorists coverage limits for its client.

●The attorney representing the defendant insurance company retained an IEN agent/broker expert to rebut the opposing expert’s opinion. The opposing expert characterized the subject policy as new business even though the insurance company had provided coverage for the insured for over ten years.

●The attorney representing the plaintiff, adverse to an insurance pool and its agent, retained an IEN agent/broker expert. The expert will opine on the standards applicable to the agent procuring coverage for a commercial entity within a specialized industry when the agent holds itself as a specialist in providing coverage for that industry.

●The attorney representing the defendant insured retained an IEN workers compensation auditing expert. The expert will review and report on the most recent audit, which resulted in an extremely large additional premium, for correctness and accuracy of classifications and calculations.

●Representing the defendant commercial entity, an attorney retained an IEN automobile liability insurance expert. The expert will review the accident report, accident expert report along and other materials to render the expert’s opinion of fault and insurance coverage determination.

●The attorney representing the defendant broker retained an IEN agent/broker expert witness. The expert will opine on the duties and responsibilities of the broker when procuring liability insurance, identifying the owner of leased property and prospective named insureds.

●The attorney representing the defendant individual retained an IEN workers compensation expert who will opine on the effect one worker's accident should have on the renewal premium of the workers compensation policy.

●The attorney representing the defendant insurance agency retained an IEN agent/broker expert, who will opine on the agency’s services pertaining to the client's request to add a loss payee to client’s insurance policy.

●Recently, the attorney representing the plaintiff financial institution retained an IEN D&O claims expert. In this matter, the expert will address issues arising from the use of co-counsels and the duties of the insured in a claim when a reservation of rights letter had been issued.

●The attorneys representing the members of the plaintiff class action retained an IEN expert with insurance company underwriting and ISO (Insurance Services Office) experience. The expert will address questions concerning coverage afforded by and premium rates applicable to two different policy forms.

●The lawyer representing the plaintiff insurance company in a dispute with another insurance company retained an IEN auto claims handling expert. The expert will opine on industry standards and state regulations applicable to auto claim settlement.

●The law firm representing the plaintiff company retained two IEN professional liability “bad faith” claims experts. The experts will opine on the insurance company’s refusal to pay the losses affirmed as covered by the Appeals Court.

●An IEN disability insurance claims expert is retained by an attorney representing the defendant insurance company. The expert will opine on the claim handling conducted by the insurance company.

●The attorney representing an insurance company retained an IEN lawyer professional liability policy expert. The expert will opine on standards applying to filing of insurance policies with a state insurance department, and the common terms and conditions of lawyer professional liability policies.

●The attorney representing the defendant insurance company retained an IEN agent/broker expert. The expert will provide opinions and testimony on the availability of media E&O coverage in the insurance market and the purpose for specific exclusions in the general liability policy.

●The attorney representing a defendant insurance agency retained an IEN agent/broker. The subject case involved the placement of insurance with a Risk Retention Group that declared bankruptcy during the term of the policy. The expert will opine whether an agent/broker is required to monitor the financial rating of insurance carriers within a policy year.

●An IEN claims expert was retained by the attorney representing the defendant insurance company involving a commercial auto policy and the non-permissive use of an auto. The expert will opine on the claim investigation, evaluation and conclusion, and will respond to the plaintiff’s expert report.

●An attorney representing the defendant insurance company retained an IEN casualty / excess liability underwriting expert. In his report, the expert will explain the meaning and purpose of class codes.

●An attorney that has utilized IEN services before and who represents an insurance company retained an IEN workers compensation underwriting expert to address whether certain insurance application entries were material misrepresentations.

●An IEN fidelity expert was recently retained by the attorney for the plaintiff insured. The expert will provide opinion on whether the insurance carrier properly utilized the single loss definition when denying the claim

●The attorney representing the plaintiff business retained an IEN agent/broker expert who has experience with wholesale broker responsibilities. The expert will report whether the wholesale broker had a duty to notify the retail agent of coverage changes occurring between policy years.

●The attorney representing the defendant insurance company retained an IEN claims expert to aid in preparing a response in opposition to a declaratory judgment motion. The matter involved the nonreporting of a loss under a general liability policy and the standards applying to claims adjusting.

●The attorney representing the plaintiff retained an agent/broker expert member of IEN. The defendant agent did not inform the plaintiff that the renewal policy the agent procured contained a contractual liability exclusion while the expiring policy did not. The expert will issue an Affidavit of Merit.

●The attorney on behalf of the plaintiff construction company owner retained an IEN agent/broker expert. The expert is needed to opine on whether the defendant insurance agent met standards in procuring the insurance for the plaintiff's construction company.

●The attorney representing the plaintiff company retained an IEN expert. The expert has both risk management and underwriting experience and will opine on the intended meaning of the "occurrence" wording in the 1960's and 1970's Lloyd's of London policies.

●The attorney representing a bus fleet owner retained an IEN transportation expert to address the incorrect rating basis used for the bus fleet in a suit against the agent when Symbol 1 was used instead of the correct Symbol 7.

●The attorney representing the plaintiff retained an IEN agent/broker expert prior to the attorney instituting suit against an agent. The expert will consult and provide a certificate of merit concerning the duties, standards and responsibilities of the agent in procuring employment practices liability coverage for the insured.

●The attorney representing the Plaintiff insurance company retained an IEN claims management expert. The expert will address the standards applicable when claim files are closed by both claimant and insurer due to alleged conflicts. The closed claim was reactivated a year later.

●Attorney representing the broker retained an IEN life insurance expert. With a report due in less than three weeks, the IEN expert will write the report in conformance with Federal Rules of Civil Procedure Rule 26 standards and opine on the industry standards concerning underwriting high net worth individual life insurance policies.

●An IEN expert witness was retained by a repeat attorney-client representing the plaintiff in a bad faith action that involved the insurance company’s declination of a flood loss suffered by the plaintiff. The IEN claims handling expert will address both the bad faith and industry standard claims handling issues.

●The attorney representing the plaintiff conglomerate company retained an IEN underwriting expert. The underwriting opinion will include how coverage offered by an insurance company is related to the underwriting information requested and premium charged for the policy. The expert's' underwriting opinion will also include custom and practice concerning policy issuance and correction.

●The attorney representing a life insurance broker defendant retained an IEN life insurance agent/broker expert. The expert will opine on the duties and responsibilities of a life insurance broker in a situation involving a policy lapsing due, allegedly, because the life insurance policy owner moved during the policy term.

●The attorney that represents the plaintiff retained an IEN agent/broker expert to address the issues in the suit against the agent/broker. The expert will opine on the responsibilities and specific actions taken when procuring insurance that excluded coverage for liability arising out of the insured’s contracts.

●The attorney, representing an insured, retained an IEN underwriting expert that also has regulatory experience. The expert is retained on a consulting basis to assist the attorney in understanding the contents of certain insurance company internal reporting documents.

●The attorney representing the defendant agent retained an IEN agent/broker expert. The expert will report and possibly testify on the duties, standards applicable to an agent placing a business owners policy on an office building which would be vacant for a period of time.

●An attorney representing insurance agent defendant, has retained an IEN agent/broker expert. The expert will opine on whether the agent violated industry standards in procuring insurance for a client. A loss occurred that was not covered by the policy procured.

●The attorney representing the insurance company retained an IEN homeowners claims expert. The expert will address allegations of bad faith claims handling against the insurance company and opine on whether the claims handling met state insurance department standards and requirements.

●Recently an attorney representing the plaintiff retained an expert to address issues surrounding the proper handling of auto claims according to state regulations and industry customs and practices.

●The attorney representing the defendant insurance company retained an IEN Commercial General Liability underwriting expert. The expert will opine on the industry standards applicable to calculating additional premiums as a result of a premium audit.

●The attorney representing the defendant in a divorce case retained an IEN Life Insurance underwriting and agent expert. The expert will address alleged damages and policy reinstatement requirements based on industry and insurance company standards.

●An IEN member, who is a life insurance actuary, has been retained by an attorney representing the defendant in a wrongful death suit. The actuary will calculate life expectancy tables that properly reflect the medical conditions affecting the subject persons at the time of their death.

●An IEN life insurance expert was retained by the plaintiff’s attorney in a case for which the expert will address the agent’s alleged violations of industry standards and state regulations. In the subject case, an invalid life policy was issued and the agent failed to properly identify it as such and properly obtain valid life insurance.

●The attorney representing the plaintiff homeowner, who suffered a fire loss, retained an IEN claim and agent/broker expert. The expert will be able to address the issues in the subject case which include claim handling, bad faith and failure to procure proper coverage.

●The attorney representing an additional defendant insurance company retained an IEN MGA and Health & AD&D expert. The expert will opine on the responsibilities of the involved parties in a situation involving the transfer of the group policy from one company to another.

●The attorney representing the defendant retained an IEN agent/broker expert for the second time in a matter involving UM/UIM coverage and the commercial policy under which it was procured.

●The attorney on behalf of the defendant insurance company retained an IEN motor carrier expert to address and opine on whether a claimant can sue or otherwise collect, under the surety bonds issued, for damages suffered in a motor vehicle accident.

●An IEN expert, a former insurance industry executive and actuary, was retained to opine and report on a specialist life and health insurance company’s operation and whether it could have been run more profitably by its founders.

●The attorney who represents a major insurance company retained an IEN auto claims handling expert to address allegation of unfair handling of UM/UIM claim by the insurance company.

●The plaintiff’s (a general contracting business) attorney retained IEN expert on Key Man Life Insurance matters. The matter involved the premium financing plan arranged by the financial planner and insurance agent, which included the collateral used to secure the premium payments. The IEN expert had both expert witness and company experience with the critical issues of this case.

●The attorney representing the insured in a title insurance case retained an IEN title insurance expert to address the standards and duties that the title Insurance company owed to their insured. Involved in the matter were easement rights, including rights of usage of a specific property by the insured.

●An IEN property claims expert was retained by the attorney representing the plaintiff of an insured auto repair facility. The expert will opine on the handling of the fire loss claim and the subsequent cancelation of the preferred service facility contract held by the facility with the insurance company.

●The attorney representing the insured plaintiff retained an IEN agent/broker expert. The expert will consult, report and testify on whether the duties and responsibilities of the agent/broker in this matter met state and industry standards.

●An attorney representing an agent/broker retained an IEN expert to report within two weeks on the duties and responsibilities of the agent/broker to its client, and whether in the subject case the agent/broker met industry standards.

●An IEN Insurance underwriting expert has been retained by the attorney representing an insurance company. The expert will opine on the validity of, reasoning for and industry standards applicable to the commercial property policy rescission declaratory judgement action by the insurance company.

●An IEN expert in captive insurance companies and their practices has been retained by the attorney representing the insured plaintiff. The expert will opine on claim standards and practices and coverage under captive insurance and captive manager\'s duties and standard of care.

●An IEN fidelity underwriting expert has been retained by the attorney on behalf of the insured plaintiff, who had a fidelity loss and the policy limit was inadequate to cover it. The expert will opine whether higher limits would have been available to fully cover the loss and at what cost.

●The attorney representing a commercial property insured retained an IEN Claims expert familiar with FEMA regulations. The expert will consult with the attorney prior to the attorney filing suit against the insurance agent/broker.

●The attorney on behalf of the plaintiff retained an agent/broker expert to address the issues arising from an unpaid fire loss. The expert will opine on the duties and responsibilities of the agent to ensure certain activities conducted by the insured were covered under the insurance policy procured by the agent.

●The attorney representing the insured plaintiff retained an IEN insurance agent expert to address the duties of an agent in providing adequate property insurance amounts. The IEN expert had the necessary knowledge and experience with insuring buildings that were purchased with the intent and actual accomplishment of renovating for immediate sale.

●An IEN risk management expert was retained by the attorney representing the risk management company. The expert will opine on the duties and responsibilities of an insurance agent when providing risk management services to its clients.

●The attorney on behalf of the plaintiff Insured retained an IEN underwriting expert. The expert will provide an opinion on whether an answer on the original application can be used to void a policy that was renewed for serval years without renewal application being requested or provided.

●The attorney on behalf the defendant insurance company retained an IEN broker expert to opine of the usage of the terms “loss” and “flood loss” in insurance policies and the industry standard definition of those terms.

●An attorney acting on behalf of the plaintiff retained an IEN Life Insurance expert. The matter involved the insurance company’s attempt to rescind the key man life insurance policy due to an alleged material misrepresentation on the application.

●An IEN expert was retained by the attorney for the defendant insurance company to impute the limits likely to have been in place on a general liability policy from the 1940’s and 1950’s. The underlying matter involves environmental and general liability coverage.

●The attorney on behalf of the defendant health insurance agent retained an IEN agent/broker expert who also had experience as an executive of an insurance carrier. The expert will address the duties and responsibilities of the agent at the renewal of health insurance polices, when there are changes in coverage.

●The attorney representing the defendant insured in a matter involving the claims handling under an employment liability policy due to a sex abuse claim retained an IEN claims adjusting expert to address the bad faith allegations being brought against the insurance company.

●Prior to litigation, the attorney that represents the plaintiff retained an IEN life insurance expert to provide life insurance policy language interpretation as to whether a gradually developing condition of the insured met the definition of pre-existing condition.

●On behalf of the owner of a catastrophically damaged commercial building retained an IEN property claims adjusting expert. The insurer, after receiving the claim for the loss, neither denied nor investigated the loss. The expert will opine on the claim handling and whether the insurance company failed to meet industry standards and state regulations.

●The attorney on behalf of a key man life Insurance beneficiary retained an IEN expert to opine on the duties and responsibilities of the life insurance agent when asked to change the beneficiary of a key man life insurance policy.

●The attorney representing the insurance company writing D&O coverage retained a highly experienced D&O underwriter. The expert will opine and possibly testify concerning the rescission of the insurance policy due to alleged missing or misstated answers in the most recent renewal application.

●An IEN claims handling expert has been retained by the attorney representing the defendant, an Insurance Exchange. The claim involved property damage resulting from a fire that damaged the HVAC systems in addition to the building and other contents. The expert will opine on claims handling and bad faith allegations by the plaintiff.

●An attorney representing the Claimant in an arbitration retained an IEN reinsurance expert. The Claimant seeks rescission of its reinsurance contract, based on alleged material misrepresentations by the Respondent in its application for professional liability coverage.

●An attorney, in a last minute analysis, determined that an agent/broker expert was needed. IEN identified, referred and hosted a conference call for the attorney with the needed expert within 2 hours. IEN expedited the retention of the expert who will report on standards that agent/broker must meet and whether the standards were met in this matter.

●The attorney on behalf of the plaintiff retained an IEN agent/broker expert. The matter involved insurance coverage for a partially vacant office building and whether the agent violated standards in assuring the plaintiff that coverage was in place. When a loss was reported by the plaintiff, the insurance company denied it, in part on the basis that the property was partially vacant.

●The attorney on behalf of several life insurance companies retained an IEN life insurance underwriting expert. The IEN expert will address the issues involved in policy reinstatement and whether industry standards would have supported reinstatement.

●On behalf of the plaintiff, an attorney retained an IEN insurance expert on premium financing. The expert will pine on the duties and responsibilities of the insurance agent in keeping the insured informed on the status of premium financing and the in-force status of the related insurance policy.

●An IEN expert in agent/broker duties for marine insurance was retained by the attorney on behalf of one of the parties in an arbitration. The expert would provide testimony concerning alleged misrepresentations made on the application for marine insurance. While the insurance company paid the large claim, they are seeking reimbursement from the agent/broker.

●The attorney representing the defendant surplus lines underwriter retained a preeminent IEN surplus lines underwriting expert to opine on the industry standard underwriting applicable to the subject risk type. Specifically, the expert is to address how policy conditions have to be met before the insured can obtain coverage.

●The attorney on behalf of its commercial client retained an IEN agent/broker expert to opine on the duties and responsibilities of the defendant agent. In the subject matter the commercial entity was sued for injury suffered by a customer while on the insured premises. Only after being sent the complaint was it revealed by the agent that the insurance company had gone into receivership and the time for submitting claims had expired.

●The attorney representing the plaintiff retained an IEN agent/broker expert to opine on the duties and responsibilities of the agent when their client asks to have both the primary residence and rental property to be insured. In this matter the rental property application was never signed by the insured.

●The attorney representing the defendant insurance company retained an IEN underwriting expert to address the issues arising when a homeowner policy claim was denied by the company. The denial was due to the fact that the insured did not meet specified conditions for coverage.

●The attorney representing a public service organization trust retained an IEN workers\' compensation coverage expert. The expert will address how the applicable state\'s workers\' compensation law applies to the policy language and loss details.

●The attorney on behalf of a business client retained an IEN agent/broker expert to report and opine on the duties and responsibilities of the agent broker, who did not obtain the needed business interruption coverage that had been requested. A business interruption claim had been denied because the coverage was not included in the business’ insurance policy.

●Prior to filing suit, the attorney on behalf of a property owner retained an IEN property underwriting and agent/broker expert to assess whether it is likely that coverage exists for the building on the insured property. The insurance carrier had declined coverage for a building fire stating that the building was not covered.

●The attorney on behalf of a defendant insurance agency retained an IEN agent/broker expert to opine authoritatively on what a specific state’s agents are required to do before placing a policy into the non-admitted or surplus lines market.

●The attorney for the defendant insurance company retained an IEN life insurance agent expert to address the duties and responsibilities of the agent in fulfilling the request and need of the insured for keyman life insurance in order to protect the assets of the company.

●An attorney representing the plaintiff retained an IEN agent/broker expert. IEN complied with the attorney’s request to refer only the most objective, impeccable, trustworthy and well credentialed expert who can opine on the duties and standards or customs and practices concerning compensation and salaries of an insurance broker.

●An IEN agent/broker expert was retained by the attorney representing the plaintiff in a case involving property and business income coverage issues stemming from a claim made to the insurance company. The expert will opine on the duties and responsibilities of the insured’s agent in acquiring coverage properly for an insured with multiple locations.

●At the suggestion of IEN, an attorney representing the insurance carrier, retained a claims adjusting expert in addition to the requested underwriting expert. The experts will address and opine upon the underwriting and claim handling of a general liability claim that was subject to a pollution exclusion.

●The attorney representing a commercial insured retained an IEN fidelity claims expert. The expert is needed to opine on the advice, provided by the insured’s legal representative, to not report a repaid dishonesty claim limited coverage. The expert will also opine whether there is coverage under the policy for any future claims discovered later that resulted from the original claims actions.

●The attorney on behalf of an insured homeowner retained an IEN claims adjusting expert to address the duties and responsibilities of a public adjuster in ensuring a complete repair is done to the insured property.

●For support in filling a declaratory judgment motion an attorney retained an IEN environmental liability underwriting expert to provide industry standards and practices concerning the evaluation of renewal applications and other information. The expert will determine if what occurred allows an insurance company to rescind the policy.

●An IEN agent/broker expert was retained by an attorney for an insurance broker in the Mid Atlantic region. The expert will opine on group health insurance programs that involve retrospective rating, and will address agent duties and standards when procuring group plans of these types for their clients.

●An IEN casualty claims expert has been retained by the attorney representing the plaintiffs who were injured passengers of a taxicab. The expert will opine on the taxi dispatcher insurer’s denial of the claim.

●An IEN agent/broker expert has been retained by the attorney representing the defendant insurance agency. The expert will provide assistance to the attorney during the discovery process and provide opinions on the duties and standards of the agent.

●The attorney representing an insurance company retained an IEN underwriting expert to opine on an insurance company’s and industry’s customs and practices concerning processing applications for insurance and binding coverage in a specific state. The expert retained had the requisite experience in the specified state.

●An IEN Agent/Broker expert was retained by the defendant agent’s attorney to address and detail the customary and standard procedures involved when one agency transfers an individual agent’s book of business to the agent’s new employer. IEN was able to refer a former agency owner expert with hands-on experience in dealing with similar scenarios.

●For a case involving the renovation of a commercial rental property, the attorney representing the property owner retained an IEN agent/broker expert. The IEN expert will opine whether the agent properly conducted its duties and responsibilities in procuring the coverages for the risks assumed by the owner when it hired a contractor to renovate the property.

●The attorney for the plaintiff retained an IEN agent expert to address the issues arising from the destruction of the plaintiff’s insured building as a result of a severe wind storm. The IEN expert is to address the duties and responsibilities of the agent (who was also a part owner and resident of the building) in obtaining adequate amounts of insurance.

●An attorney that represents a defendant insurance company retained an IEN loss control and underwriting expert in order to respond to opposing side’s contention concerning risk management services being part of what loss control services provide when offered by insurance companies. The attorney was presented with a short deadline in which to file an expert report and IEN, within 24 hours, referred a qualified loss control, underwriting expert.

●An attorney representing an insured driver retained an IEN auto claims expert to address the denial of claim by the carrier on the basis of the policy requirement to report the accident within a certain period of time. The expert is to address whether the claims decision and investigation conducted were compliant with industry standards and applicable state law.

●In a matter involving the sale of life insurance products for investments in tax shelters the attorney representing the defendant insurance agent retained an IEN expert. The IEN Expert is to address whether the duties and responsibilities of the agent were properly performed in providing the life products for the purpose requested by the agent’s client.

●An attorney retained an IEN agent/broker expert in a matter involving the customary duties and standards of an agent, when procuring quotes and recommending commercial insurance. Of most importance is the expert’s familiarity with UIM coverage and its availability for commercial insureds under umbrella policies.

●IEN referred a commercial liability underwriting expert to an attorney representing the plaintiff insured, who retained the expert. The expert will address premiums, rating, coding and wording in policies written nearly 40 years ago.

●An attorney defending an insurance agent recently retained an IEN agent/broker expert. The expert is to review and opine on the agent’s duty and standards of care to the policyholder as well as whether, at the time of renewal, there is a special and continuing relationship of the agent to the policyholder to learn of any changes to circumstances of the policyholder that could be addressed by insurance.

●The attorney representing the plaintiffs in a consolidated class action retained an insurance actuarial expert through IEN recently. The matter involved homeowner’s warranty policies and the expert referred by IEN was not only familiar with the coverage but had significant experience reviewing both rates and loss reserves for companies offering this type of coverage.

●An attorney representing the defendant insurance agent retained an IEN agent/broker expert to address whether the agent’s actions fell within industry standards and practices when a potential client presented partial information on their motor carrier coverage request. The client never completed the information, yet had an accident before any coverage could have been placed.

● The attorney on behalf of a commercial business retained an IEN agent/broker expert to provide a certificate of merit in a potential case that involved alleged broker negligence. The agent/broker failed to notify and prevent their client to be insured with an insurance company which became insolvent during the term of the policy and prior to a claim reported by the insured, which is now unrecoverable from the either the insolvent company or the state guarantee fund.

● The attorney representing the plaintiff insurance agency retained an IEN expert to address the industry standards applicable to insurance company responsibilities applicable to policy cancelations and non-renewals. Specifically, the expert is addressing the regulatory and other issues involved when the producing agent’s Agency Agreement has been terminated by the insurance company.

● The attorney for a third party defendant retained an IEN homeowner claims expert to rebut the expert report presented by the opposing party. The expert will provide a Rule 26 report expeditiously. The issues involved are reasonable claims investigation, claims administrator duties and responsibilities, specific state requirements for cancellation, and non-renewal notice mailing.

●An IEN Agent/Broker expert was retained through IEN by the defendant insurance agent to review whether the actions taken by the agent conformed to industry standards. The agent was asked to duplicate the coverage under multiple policies for properties owned by the same entity. The agent was instructed to procure one policy covering all the properties with the same coverage that each specific property had when insured under the individual policies, and did so. A loss occurred after the new policy was in effect which was not covered by the new policy nor would it have been covered by the old applicable policy.

● The attorney for the plaintiff retained an IEN Agent/Broker expert to address the issues arising subsequent to a denial of a property loss claim. The owner of the property that suffered the loss was not the entity insured on the policy. The IEN expert is to opine on whether the actions taken in obtaining the policy met the industry standards or violated applicable customs and practices.

● An attorney representing an insurance carrier retained an IEN life insurance expert to address issues relating to the payment of life insurance premiums, policy lapsing, reinstatement, bad faith claims practices and grace period communication standards. The expert is also to address how insurance company computer systems calculate insufficiency, costs of insurance and minimum payments due from the insured.

● The attorney for the defendant retained an IEN claims handling expert to address claims adjusting standards and whether those in the subject case met the requirements of the particular state in which the claim occurred. The claim involved the insured’s home, contents and additional living expenses. The expert will address the extent of the loss and whether the payments made by the carrier met the applicable standards.

● The attorney for the defendant insurance claims Third Party Adjuster retained an IEN claims handling expert. The expert is addressing the claims handling, management and TPA fees charged and will determine whether the fees and conduct met the standards of a state’s claims handling regulations. The IEN expert had experience in the regulatory arena of insurance and also worked with an insurance industry service organization to assist states in implementing applicable law, standards and regulations.

● An attorney representing the defendant Managing General Agent (MGA), retained an IEN MGA expert to address procurement of insurance coverage for a subcontractor specifically related to certain underlying contract provisions. Critical to the attorney the expert could authoritatively discuss the policy and contract interaction and the standards, customs and practices in the insurance industry in supplying coverage to contractors.

● The attorney representing the plaintiff hired an IEN health insurance expert. The attorney retained the IEN health insurance expert despite originally requesting an actuarial expert as IEN helped the attorney understand that the issues that needed to be addressed would be better handled by a health claims expert rather than an actuary.

● The attorney representing the defendant MGA retained an IEN expert to address the issues surrounding the acquisition of policy covering a contractor, subcontractor usage and the responsibility imposed on the MGA by industry customs and standards together with the state level responsibilities imposed by administrative code or law. Ultimately the expert is to answer the question as to whether the coverage was illusory or not.

● Through IEN, an insurance property claims adjusting expert was retained by the plaintiff’s attorney to address whether the insurance company’s claims adjusting met industry customs and practices. The claim occurred as a result of Hurricane Sandy and the claims adjuster convinced the homeowner to take loss mitigating steps that, in fact, endangered and caused the homeowner’s death. In an action that involved the failure to procure hired / non-owned auto insurance the attorney for the plaintiff’s commercial business retained through IEN an insurance agent/broker expert to address industry standards and duty of care needed by the insurance agent. The business was one that had its employees use their own vehicles for product delivery or rented vehicles, and the plaintiff’s commercial business had no coverage for non-owned auto use.

● Through IEN an insurance underwriting expert with desk underwriting and product liability coverage experience was retained by the attorney of a commercial business defendant on the issue of policy rescission. The expert will review the case documents and determine the insurability of the business given the application and representations made therein.

● A former Life Insurance Company Claims and Underwriting executive referred by IEN was retained by the attorney for the defendant Life Insurance Company to opine on industry standards applicable to the replacement of life insurance policies for an insured. Specifically, the expert needed to be able to opine on the standards that existed decades in the past.

● For a suit involving workers compensation, the attorney for the plaintiff retained two IEN experts. The two experts will work independently, one on the claims handling issues and the other on the underwriting standards. Specifically the Claims expert would address the handling in view of industry standards related to workers compensation claim handling. The underwriter would provide opinions related to the financial impact of the over-reserved claim on the client’s insurance premium.

● With regard to a multi-layered Errors & Omissions policy the attorney for an online company retained an IEN E&O claims handling and coverage expert. The expert is addressing several issues including interrelated acts, allocation and willful or wrongful acts as they pertain to the excess layers of the subject policy.

● For the attorney representing the defendant Life Insurance Company IEN referred and the attorney retained a former Life Insurance company officer with experience in nearly every facet of the Life Insurance Company operations. The expert is providing testimony related to the standard of care required when issuing a Universal Life Insurance Policy.

● An attorney representing an insurance carrier retained two IEN insurance experts in order to fully address the issues surrounding the potential recovery due under the carrier\'s professional liability policy. The underlying suit involved claims payments made by the carrier on thousands of the same type of claims. The expertise needed of the experts was the experience and knowledge concerning claims evaluation and auditing books of business.

● For a case involving workers compensation claims and experience modifications, IEN referred several experts. The attorney for the insurance company retained one of the experts within 24 hours.

● IEN referred an expert with underwriting and agent/broker experience to an attorney representing a contractor on a case involving the failure to purchase a builders risk policy. The opposing party was a municipality. IEN referred the expert within 24 hours of the original request.

● IEN referred an expert to an attorney representing the plaintiff homeowner who had suffered a total fire loss on their home. This case involved the claim handling performed by the insurance company and the SIU investigation conducted and report issued because of an alleged application misrepresentation.

● IEN successfully referred an agent/broker expert to an attorney defending the agent. There was an urgent need for an expert, because the trial was scheduled for the middle of the then current month. The attorney retained the IEN expert who was experienced with California business and had an active California broker/agent license.

● IEN referred a policy drafting expert for a case that had to do with medical and hospital liability. The attorney represents parties seeking to recover damages against a doctor, the practice and hospital for the services provided by those entities. Within 48 hours, IEN referred experts to the attorney, who interviewed them and retained one of them.

● The attorney on behalf of a commercial vehicle fleet owner recently retained an IEN claims handling expert to write a report within two weeks. The report needed to contain the expert’s opinion on whether the insurance company violated the good faith standards of handling the flood damage claim for the damage done to insured’s fleet of commercial vehicles.

● Superstorm Sandy damaged numerous automobiles, which were stored in the open. The attorney representing the insurance broker retained an IEN insurance expert who is a licensed agent or broker in several jurisdictions. He will opine whether broker failed to procure proper coverage.

● IEN received a request for a medical and hospital liability policy expert from an attorney representing the plaintiffs who were seeking to recover damages caused by a doctor, his practice and a hospital. Within 48 hours, IEN referred experts to the attorney, who interviewed them and retained one of them.

● An attorney representing the insured in a Superstorm Sandy claim contacted the IEN, seeking an insurance agent/broker expert. The insured was not made aware of the availability of flood insurance in excess of the amount available through the National Flood Insurance Program. The NFIP amount provided to the insured was insufficient to cover Superstorm Sandy flood damage to the insured’s property. An expert referred by IEN has been retained to opine whether or not the services provided by the broker met insurance industry custom and practice.

● An IEN insurance expert was recently retained by the attorney for a plaintiff who was seeking an agency/broker insurance expert. Most importantly the expert needed to have experience with placing fidelity and crime insurance and arranging for proper coverage, limits and the proper coverage circumstances under which loss payee conditions are applicable and those situations in which they are not.

● An attorney representing the plaintiff sought and retained an expert with extensive insurance experience in broker standards of care; broker/agent relationship with insurer; underwriting; and claims issues. Particularly of interest to the attorney was an expert with experience in crime policies as well as possessing a CPCU or similar level designation.

● IEN successfully placed a well credentialed insurance expert for an attorney representing the defendant insurance agency. IEN provided an expert who is reporting on the duty of care of a broker in evaluating liquor liability coverage and the availability and cost of coverage that would protect a manufacturer from exposure to products liability exposure related to alcohol sales.

● An attorney representing the defendant life insurance company retained an IEN life insurance claims expert to address the breach of contract and claims adjusting issues involving the carrier’s denial of the claim. The insured had perished from medical conditions that existed at the time of and were not disclosed on the life insurance application. The expert was to be designated in 2 weeks and a full review of the case documentation was necessary in that timeframe which was successfully accomplished.

● A dispute between a life insurance carrier and its reinsurer gave rise to a need for a life insurance underwriting expert. IEN provided a properly qualified expert to address the issues related to the reinstatement of a lapsed large whole life insurance contract. The expert was needed to testify at an arbitration.

● Affidavits of Merit are used in some states to substantiate a case as worthy of being heard by the court. An attorney retained an IEN expert to address the broker negligence issues involved when it was found the insurance policy covering the property did not properly name or list a secondary structure on the property. Within one week the IEN Expert provided the affidavit of merit that was filed with the court.

● Tenant was required by lease to insure Landlord\'s building and all additions or improvements made by Tenant and to add Landlord as insured to Tenant\'s property policy. The policy covered permanently installed equipment, and the Landlord was named loss payee and mortgagee, but not as an insured to the policy. Tenant\'s leased equipment had been welded to the floor of the building. Tenant broke the lease, removed the equipment and caused damage to the building. An expert referred by IEN has been retained to opine whether the policy afforded coverage for the equipment and damage to the building.

● Insurance Expert Network, LLC (IEN) provided an insurance expert experienced with life insurance underwriting and claims to address the issues in a case involving an insurance company’s denial to pay death benefits on a high-limit life insurance policy. The expert was familiar with life settlement arrangements and the differences that exist between properly conducted life settlements and improper STOLI (Stranger Owned Life Insurance).

● An attorney representing a life insurance company retained an IEN expert experienced with life insurance claims to respond to allegations of bad faith. The subject policy had been canceled for non-payment of premiums and the expert was to address whether notice of non-reinstatement was proper and timely.

● Only after a claim had been submitted did an insured educational institution discover that certain exposures related to sports activities were excluded from their CGL (Commercial General Liability) policy. IEN provided an insurance expert with professional insurance brokerage experience to address what are the duties and responsibilities of the broker in order to procure the appropriate insurance coverage for their client.

● An attorney representing a manufacturer retained an Insurance Expert Network, LLC (IEN) expert. An insurance expert was necessary in order to help the court understand the insurance industry communication approach to product safety. The expert would also address the claims handling time table normality. This type of information would be used in a class certification determination.

● Recently an attorney that specializes in product liability cases came to IEN to obtain the services of an insurance expert with experience in product liability claims. Within 24 hours IEN provided the CV, Fee Schedule and expert witness experience listing of an expert that had current experience in settling property damage claims as a result of product failures. During this same 24 hour period the attorney spoke with the expert and decided to retain him.

● A member of the Insurance Expert Network, LLC (IEN) was retained as an expert witness on a case involving the presence of underground storage tanks on the plaintiff’s insured property. Unbeknownst to the plaintiff, when the policy was renewed, a limitation was placed on the amount recoverable by the plaintiff for claims and defense costs. The original policy had not contained any such limitation. The IEN expert is to address the responsibilities of the plaintiff’s insurance broker to inform and otherwise address such changes in the insured’s policies.

● A highly qualified claims expert experienced in bad faith claims on Errors & Omissions and malpractice policies, and member of the Insurance Expert Network, LLC (IEN) was retained to address coverage interpretation of malpractice policies for two physicians. The expert, who is admitted to practice law, will address the potential liability and evaluation of damages by the insurance company adjuster, and interpret the coverage provided by the policies regarding potential excess judgments and the past medical expenses incurred.

● A D&O Underwriting expert and member of the Insurance Expert Network, LLC (IEN) has been retained to rebut an opposing expert’s report on a case involving a company’s D&O policy and the coverage provided by the Entity Liability and other insuring agreements.

● The Insurance Expert Network, IEN, was retained to provide an insurance expert witness in a case involving an explosion in a manufacturing plant that resulted in several fatalities and many injuries

IEN provided an insurance claims expert to address a dispute between the Workers Compensation and General Liability insurance carriers. Five months after the retention of the IEN expert, the case was settled, incorporating Industry Standards and Practices as opined by the IEN expert.

● Recently, the Insurance Expert Network, LLC (IEN) was approached by an attorney representing a large group to obtain the services of a highly-qualified life insurance expert. The subject case involved an insurance company that was approached to write life insurance policies for all the members of the group. The insurance company involved did write policies for several thousand members, but then refused to write policies for the majority of the remaining group members, and attempted to rescind the policies that had already been written.

IEN was able to submit the names of several life insurance experts, along with their CVs and other pertinent information within 48 hours of receiving the referral. An IEN expert was retained by the attorney within days of submitting the referral.

● The Insurance Expert Network, LLC (IEN) recently expanded its services to mediation and arbitration referrals. In response to a recent request it referred three mediators from its network of insurance experts, who are certified by the Mediation Training Institute (MTI). The IEN is also responding to requests from ADR organizations for conference speakers. The General Manager of IEN is an experienced expert witness and MTI certified mediator.

● In the latter part of August an attorney, representing an insurance carrier, went to trial seeking rescission of a commercial general liability policy written for, what appeared to be at the time, a limited liability corporation (LLC). The attorney retained a well credentialed underwriting and claims expert through IEN in June. The IEN expert presented testimony that the LLC was fictitious and therefore a material misrepresentation. Further, a certain question on the application was also answered falsely and also a material misrepresentation. The expert opined that the policy should be void ab initio. The court agreed with the expert and voided the policies.

● A licensed insurance agent/broker was needed as an expert in a case in Missouri. The attorney represented a plaintiff which had submitted a claim notification on one of their polices to their insurance agent. The subject policy was written on a claims made basis. The insurance agent for the plaintiff did not present the claim to the insurance carrier in a timely manner. The carrier denied the claim on the basis of lack of timely claim notice. The expert is to provide an opinion on whether the plaintiff\'s agent did or did not meet its duties and whether their actions fell with industry customs and practices. IEN referred three licensed experts who also were very well experienced expert witnesses. One of the referred experts was retained by the attorney.

● Within 4 hours of the contacting of IEN, an attorney retained the expert that IEN had contacted and referred. The attorney represented a commercial insured which had a self-insured program covering its workers comp and health insurance. The company also had a stop-loss program for losses on the self insured health coverage. The claims handling for the both coverages was handled by a Third Party Administrator (TPA). One large loss and claim handled by the TPA was treated by the TPA as workers comp. The client company instructed this loss was to be handled as a Health loss instead. When, finally, the employee\'s claim was ruled as not workers comp, the stop loss carrier for the health insurance denied the claim due to late notice. The status of the case was such that the expert would need to provide a report within a week. The attorney needed an experienced claims adjuster who also managed and worked with TPA\'s. IEN referred an expert who met the criteria and also was able to provide the quick turnaround on the report.

● An attorney representing an insured considered two highly qualified business income claims experts referred to him by IEN. The attorney retained one of the experts. The matter for which the expert needed to provide an opinion involved a claim submitted to a carrier on a multi-level parking structure. Damages to the parking structure required city officials to close the garage for safety reasons. Business income losses were created by the closure of the structure. The expert is to provide an opinion on whether the carrier\'s actions or lack of action created increased losses under this coverage.

● An attorney using Google and the search term “life insurance expert” found IEN. Within 48 hours the attorney interviewed and retained a life insurance underwriting expert qualified to oppose the opinions expressed by the other side’s expert- a former head of one of the nation’s largest life insurance companies. The expert is needed to review and report on a policy rescission based on material misrepresentation. Within a 2 year contestability period the carrier rescinded the life Insurance policy based on answers given in the application. The cited answers had been investigated by the carrier subsequent to the claim presentation. The expert is to opine on whether the answers were misrepresentations or not.

● An attorney retained an actuarial expert referred by IEN for a divorce case in order to establish the healthcare insurance costs of the spouse, but also provided a specialist health insurance agent expert. In order to establish the total healthcare insurance costs through the time frame required, the actuary needed a reasonable, defensible starting point from which the long term costs could be established. It was during the initial interview of the actuary by the attorney that the need for an insurance quote was established. As IEN is deeply familiar with areas of expertise of their experts the right agent expert was in communication with the attorney the same day as the need was revealed. The spouse had a pre-existing condition and the agent expert was able to quickly provide initial insurance coverage costs with fully and properly completed applications.

● An experienced, high ranking insurance claims expert was recently retained through IEN. High-ranking in this matter meant a former insurance company claims executive. The attorney who sought this expert had no one appropriate that he had worked with before. After attempting to work with generalist referral services seeking two differently qualified experts the attorney contacted IEN. Within 48 hours IEN presented three experts and the attorney had requested interviews with two of the three experts. The attorney retained one of the experts and was able to use that expert for both needs due to the expert’s experience and certain certifications held.

● A public watchdog group needed assistance in their efforts to question the latest utility rate hike in front of the local public utility commission. The matter involved questioning the substantial portion of the rate hike attributable to insurance costs. IEN placed a local insurance expert who had experience in placing and advising on the same type of insurance within the same market factors as the utility was encountering.

● A claims handling expert is presently assisting an attorney on a case involving a residential fire loss. During the claims adjusting process there were certain actions taken by the adjuster which appeared to be irregular and not in conformance with industry standards and practices. There are allegations of breach of contract, a claim of bad faith and a violation of the state’s Unfair Trade Practice Act.

● IEN referred 4 highly qualified experts to an attorney on a matter early in the discovery phase involving questions surrounding the premium development for a large Property & Casualty and Professional Liability coverage program. IEN placed the expert who was retained to help form the interrogatories and other discovery requests for the case. The experts all met the requirements to be able to evaluate the premiums developed, loss effects on premiums and the algorithms underlying the results.

● An insurance actuarial expert was retained in order to value damages due a health policy insured. IEN referred the expert to an attorney representing the insured. The basis for the suit was that the health insurance company attempted to cancel the health policy and failed to do so correctly. The expert is to value several different aspects of premium and benefits over the projected life of the insured.

● Insurance Expert Network successfully introduced a property insurance claims expert to an attorney who retained the expert to review, evaluate and report on the claims handling that was done on a specific claim on a residential property. The claim was for water damage to the insured property due to a covered cause of loss. The attorney reported to IEN that the introduced expert had nearly the perfect claims handling and expert witness experience for his case.

● An attorney looking for a life insurance underwriting expert came to IEN. In less than 24 hours IEN had referred two life insurance underwriting experts who could opine on the rescission based on material misrepresentation. Within a 2 year contestability period the carrier attempted to rescind the life Insurance policy based on answers given in the application. These answers were investigated by the carrier subsequent to the claim presentation. The plaintiff is contesting that the answers were misrepresentations.

● Insurance Expert Network, LLC placed a life insurance expert on a case. The expert will offer his opinion not only on the Error & Omissions of the agent for possibly not processing the insurance application properly, but also on the life insurance company’s alleged claims handling bad faith. The claims handling by the company were to be analyzed by the expert to determine if the handling met industry customs & practices and whether they also fell within state insurance regulation requirements.

● An IEN insurance claims expert recently was retained on a case which involved the question of coverage applicability for medical bills under workers compensation and commercial general liability policy. IEN was able to provide an expert familiar with not only the coverage forms but also the claims handling standards, industry and specific domicile issues of the insured.

● On very short notice, IEN was able to provide a liability insurance expert to an attorney who was able to provide not only the requested review and analysis the case documents but also to provide an affidavit within the deadline. The case involved whether the carrier conducted itself within both industry standards and practices but also insurance regulatory requirements.

● Insurance Expert Network, LLC referred an life insurance actuary expert to an attorney who needed one to review and analyze a single premium life insurance policy and the performance of it over time. The attorney was unsure whether he needed an underwriting or actuary expert. IEN was able to provide several experts in both categories and provided conference calls with any of the experts with whom the attorney wanted to speak.

● In a recent case involving a property insurance claim denial there were also issues of insurance broker errors & omissions. We were able to provide an insurance expert who had both company underwriting and insurance agency/brokerage knowledge. The expert provided could handle the near term agency/brokerage standards and practices and, if required later, would be able to provide the property insurance underwriting expertise.